Date Received: 2022-11-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A fraudulent charge was made on the card and soon after reported. The fraudulent claim was denied and claimed the item was delivered to my address, which is false. I never made a purchase anywhere near the date of the transaction and never received a delivery after the date of the transaction. I was never contacted during the investigation and was only sent a denial letter. The card is less than a year old and all purchases were made either online or at our local XXXX 's store. The fraud is likely an internal issue among XXXX 's employees or their affiliates. FYI, we have purchased nearly {$20000.00} using this Lowe 's credit card during the 6 months or card ownership and the fraudulent portion was for {$340.00}, fraudulently charged well after the competition of our purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. I did not consent to these inquiries and they need to be removed immediately. By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. It is my understanding that you will check these items with the person who has posted them. Please remove any information that the you can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period. You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. -- - SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 -- - SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 -- - SYNCB/PAYPAL ( Bank ) XX/XX/2021 -- - SYNCB/CARE CREDIT XXXX Finance ) XX/XX/2021 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I recently saw on my Amazon Synchrony Card Statement a charge for " Card Security ''. I did some investigating and saw this was being charged my account for over FIVE YEARS. Turns out this " service '' was somehow added to my account. Anywhere from $ XXXX {$80.00} charges on my card, every month, since XXXX XXXXI called customer support and spent over a month back and forth on it. I heard EVERYTHING on the script, I can recite it at this point. Got 2 escalations in the system, both were reject because they'd only offer me a 1 year refund, NOT the full 5+ year refund. I believe this is a scam and I never signed up for it. I never would sign up for something like this. Their system is tailored to prevent people from getting their money back for a predatory and bogus feature on a card. Also their " supervisors '' are impossible to get a hold of. I spent a month calling ( 20 times total ) and I heard " Unfortunately a supervisor is not available at this moment '' EVERY TIME. I then had to be more pushy cause this just wasn't getting resolved and suddenly a Supervisor was available. More scam tactics. I have 4 total synchrony accounts and ONLY my Amazon has this ridiculous feature. Again, I never signed up for this and I feel I've been scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made my monthly online payment on XX/XX/22 for {$370.00} and they reversed the charge stating the bank information was incorrect. A week later I received an email that my account was overdue. I called on XX/XX/22 and they manually ran the bank information XXXX in XXXX different systems and ended up charging my bank account XXXX ( {$370.00} each ) which was deducted on XX/XX/22. They are refusing to reverse the charge and said they can only send me a check which will take XXXX weeks to receive in the mail. This will cause overdraft fees for insufficient funds due to their negligence in charging me XXXX versus XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased {$5100.00} worth of furniture from Ashley Furniture in XXXX XXXX, Maryland in XX/XX/2022. I was given a 24 month, no interest deal if I applied for a Synchrony store card. I did and was approved for the deal. The furniture arrived in XXXX. My first credit card bill was due in XXXX. At that point I noticed an interest rate of XXXX XXXX!! I called Synchrony and they said they'd investigate. I called the XXXX store the same day. The XXXX people confirmed the deal and that it had been transmitted to Synchrony properly. I thought we were in the clear until two weeks later when I received a letter saying Synchrony would not honor the promotion. I called Synchrony again, very upset. A customer service rep named XXXX was very rude, and moreso dismissive. She told me there was nothing she could do and that the promotion would not be applied. I informed her that this was a clear bait and switch. She spoke with a manager who also said they would not be rectifying the situation before hanging up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Someone by the name of " XXXX XXXX '' contacted myself, and my sister in law, demanding I contact the mediation department immediately. I called the number given and they stated I owe a balance for XXXX, which has since been paid off, closed and archived. I called XXXX to verify my account was no longer open, and the debt was paid off. XXXX stated my account has been archived and paid off. I continue to receive calls and my family members are receiving texts and calls looking for me. They are harassing my family and I, inviting they will " take further action if the debt is not paid etc ''. The phone number that contacted my sister in law is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Paypal Credit Line Opened in my name, fraud person charged ~ $ XXXX in charges on the card. XX/XX/XXXX card was closed by me when I called paypal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94114
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: On XX/XX/2022, both XXXX ( my wife ) and I called Synchrony Bank to request that our CDs be closed and the funds wired to another bank. On XX/XX/XXXX, the funds were still not wired, so we both sent a secure message regarding our concerns ( which I have attached. The first concern was the reason we were closing the account and the second concern was asking why the wires were not completed ). We both received the same form response that did not address our concerns at all. So, we called Synchrony to express our concerns, and were told that our concerns would be relayed to management. When we did not hear anything back from management by XX/XX/XXXX, we submitted a complaint to the Federal Reserve Consumer Help. We receive a letter stating that we need to submit the complaint to you, which is as follows. My wife XXXX XXXX ) and I opened XXXX bump up CDs with Synchrony. We have had bump up CDs at other institutions in the past. However, we still clicked on Learn More before opening the CDs. We printed a 6-page document ( which I have attached ). With all of our previous bump up CDs, we were able to bump up the CD to the new rate for that term. For example, if we opened a XXXX bump up CD, we were able to bump up that CD to the XXXX CD rate. However, this is NOT how the bump up CD works with Synchrony. With Synchrony, you bump up the CD to the XXXX bump up CD rate ( which is much lower than the XXXX CD rate ), NOT the XXXX CD rate. If Synchrony is going to use a term with a different meaning than the industry standard, Synchrony should openly disclose this. It was NOT disclosed in the 6-page learn more document. When we opened the CDs, we tried to read all the documents. However, we timed out of the application when trying to do this. So, we printed the documents to read later. Buried in the middle of a 16-page documents that is only available during the application process, Synchrony does state you bump up the CD to the bump up CD rate. However, as I mentioned, you can not read this document during the application process without timing out. Since Synchrony is using this term ( bump up CD ) with a different meaning than the industry standard definition, it should have openly disclosed this in the 6- page Learn More document that you can read BEFORE opening the CD, and NOT bury it in a document you can only read AFTER opening the CD. When one opens a bump up CD, one accepts a lower initial rate of return in exchange for the option to bump it up to a higher rate. One is NOT penalized twice ( accepting a lower rate of return when the CD is open AND a second time when you bump it up by having to again accept a lower rate of return instead of the prevailing rate for that term ). Feeling deceived, we tried to wire the funds out of Synchrony. However, as I mentioned above, Synchrony refused to wire the funds, claiming that the bank where we are trying to wire the funds would not verified that our names are on our accounts. Synchrony has previously wired funds to the identical account we are requesting that the funds be wired. Why was Synchrony able to wire the funds earlier this year, but not able to wire them for this requested?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Paypal credit account with the email address XXXX -- which is how XXXX ( Synchrony Bank ) identifies my account. I had set up a payment for XXXX XXXX, of {$77.00} -- but for some reason, the bank had no record of it, so I redid the payment on XXXX XXXX -- but had already been charged a late fee of {$30.00}. I called them to ask them to waive the late fee -- the customer service rep stated he would but I would still need to pay it and it would be adjusted the next month -- but I told him I'm a senior and on a fixed income and I could only make the normal payment and he agreed that it would be adjusted later and I would get a new minimum payment in 24-48 hours and he would make a note not to charge me a late fee. But what he didn't tell me was that he took the late fee off my balance and not off my minimum payment. So in XXXX, I made a payment of {$76.00}, my regular payment. Then I see that today, XX/XX/2022 the bank shows a past due amount of {$140.00} -- in addition to the {$76.00} I paid on XX/XX/2022 -- which was on time and on the date due. They had added another late fee. I called and they agreed to waive {$41.00} late fee -- so now I owe {$110.00}, instead of {$89.00} -- I guess because they seem to be adding more late fees. Although this payment isn't due until XX/XX/XXXX, it shows past due, which it shouldn't. After the representative finally agreed to deduct the {$41.00} from the minimum payment, ( though even now, the site is still stating that I'm past due ), I asked to speak to a supervisor about the {$30.00} late fee. Because I complained that the rep in XXXX did not tell me that he had subtracted the {$30.00} from my balance rather than deducting it from my minimum payment -- possibly due to the agent not having a command of XXXX because he is in a foreign country, or because he just was lying to me, I got transferred to someone in the U.S. who was not a supervisor and who accused me of disparaging the original rep 's race -- which I wasn't. I explained I wanted the {$30.00} deducted from the minimum payment, he said that they couldn't do that and even if the rep stated the {$41.00} could be deducted from the minimum payment there was no guarantee that it would. And I asked to have a supervisor call me and he said they were busy and they'd only call me back if they thought they could do something about this. I want my {$30.00} late fee deducted from my minimum payment as promised by the first rep
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am XXXX XXXX XXXX XXXX XXXX with XXXX XXXX due to XXXX XXXX XXXX and have been XXXX for XXXX months with XXXX XXXX and don't know when or if I will be able to return. I have XXXX savings and XXXX XXXX. Yet Synchrony Bank Care Credit and Synchrony Bank Home and XXXX XXXX credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A